You Can Save & Earn More – Just By Banking With Us.

Our members received $3,302,998 in financial benefits by taking advantage of our low rates and specials.**

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Get More With Arbor Financial Credit Union

Combine a free checking account that earns up to 4.00% APY+, mortgages with low rates, auto loans with rates as low as 3.49% APR* and the money saved quickly adds up.

Get More with Arbor

Checking Accounts

Arbor Financial Rate

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Credit Cards

Arbor Financial Rate
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Online & Mobile Banking

Access your Arbor Financial Credit Union accounts anywhere, anytime from the palm of your hand with our free mobile banking app.

Convenient and easy to use, Arbor Financial's Mobile Banking App is safe and secure using some of the most advanced security and technology available.

  • Download on the app store.
  • Get it on google play.

Education is in our roots.

We believe in financial empowerment and have created a series of webinars, blogs, and free financial tools to help you.


Don't just find a position - find your people. Our company motto is: Work together. Do the right thing. Have fun. There's a reason we've received the National and West Michigan's Best and Brightest Companies to Work For award several years in a row. If you're ready to Get More out of your next position, then you're ready for Arbor.

Explore Open Positions

Upcoming Events

All work and no play? Not here. Our community events are fun-filled opportunities to meet members and neighbors.

*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application. Rates are subject to change.

**Direct financial benefits to members during the 12 months ending September 2021 as defined in the CUNA Membership Benefits Report for Arbor Financial Credit Union. For more information regarding this analysis, please visit ©CUNA, ©Datatrac

***$688 is the difference between the amount paid in interest between Arbor Financial's rate of 7.50% APR compared to 12.90 for the Kalamazoo Michigan market average over the life of a $5,000 credit card over 36 months. Analysis by Datatrac as of 8/1/2022. 

+Annual Percentage Yield (APY). Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.

1. Annual Percentage Rate (APR). Rate effective 9/28/22 for a limited time. Rates change frequently, please visit for current rates. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms, and conditions subject to change at any time, without notice. APR calculated on $180,000 mortgage amount, with no PMI on first-lien purchase money mortgage. Payment example: $180,000 loan at stated APR has estimated monthly payment of $1,093.70. Taxes and insurance not included and will increase payment amount.

3. Rates as of July 1, 2022. APR = Annual Percentage Rate. Rates are variable. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Not all applicants will qualify.

4. Annual Percentage Rate (APR). Rate effective 9/28/22 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change without notice.

5. Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied.

6. Annual Percentage Rate (APR). Offer available as of 8/1/22. Balance Transfer promotional rate applicable for 12 monthly billing cycles. Starting on the thirteenth month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.

7. Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of 1.26% APY for balances from $500-$249,999.99. Explorer's Club minimum balance of $100. 2.02% APY for balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of August 12, 2022 for a limited time.